If you are 40 and aren’t at a major already you have been hamstrung by the system and your income potential is already reduced.
More of the not commuting thing that will impact the income potential. The non-121 thing is by choice, have never put an app in to a 121 carrier since I was a CFI. I realize the top end money is more at airlines, there is no doubt. However commuting, furloughs, crashpads, airport cars etc is a pain in the arse.
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